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Find A Doctor Or Hospital In Your Network.
ER doctors and staff treat serious and life-threatening health issues 24/7. When you get ER care, your copay and out-of-pocket costs will likely be higher than a trip to see your doctor. They’ll be even higher if you see an out-of-network provider.
Here are a few things you can do to help keep your out-of-pockets costs as low as possible when an emergency happens.
Take some time now to educate yourself and prepare for a possible ER visit.
Find your nearest in-network hospital emergency room. Use our online tool to find an in-network ER near you. Log in to Blue Access for MembersSM, your online member account, and go to Find Care to locate network providers and hospitals.
Understand the basics about your health plan. Your benefit booklet includes a summary of your coverage and costs. You can also find information about your benefits in BAM. BAM offers 24/7 access to details about your plan’s benefits, claims information, member ID cards and more.
Keep your member ID card. Somewhere it’s always easy to find, like your wallet. Let someone you trust know where to find your card in case of an emergency. You can also share it with the BCBSNM App.
If you have an HMO plan, remember:
Some providers who work at in-network hospitals, such as anesthesiologists, imaging technicians and others, may not be in your plan’s network. If possible, ask for team members who are in your plan’s network.
Your doctor is your health advocate. Involving them as soon as possible can help you get the care you need. If you are admitted to the hospital from the ER, make sure you or someone from your, family or the hospital calls your doctor within 72 hours. Even if you aren’t admitted, call your doctor after you leave the ER to schedule follow-up care.
Not all benefits are offered by all health plans. Please refer to your benefit materials or log in to BAM to see your plan’s limits and exclusions. If you want to verify your coverage, visit the My Coverage tab.
If your symptoms are life threatening (for example chest pain, trouble breathing, heavy bleeding), call 911 or go to the nearest hospital ER.
Originally published 1/14/2020; Revised 2024
Blue Cross and Blue Shield of New Mexico, a Division of Health Care Service Corporation,
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